Expertise.com

2024

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Best Homeowners Insurance Agencies in South Dakota

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored South Dakota Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

520Reviewed

317Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Sioux Falls

Expertise.com Rating

Why choose this provider?

Kouri Insurance Agency is a locally owned and operated business that serves individuals and families throughout South Dakota. It provides the best insurance solutions, including homeowners' plans that protect clients from financial loss, covering property damage and personal possessions. It also handles auto, motorcycle, watercraft, life, and personal umbrella coverage. As an independent agency, it compares and shops for various options from different insurance carriers to offer customized policies tailor-fit to clients' needs. Kouri Insurance Agency has been in operation since 1970.

Rapid City

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

Jeff Jasper runs the best Farm Bureau agency in South Dakota. He offers home and property insurance policies, covering damage repair, replacement of broken home systems like air conditioning and water heater, and protection of personal belongings. Its coverage extends to other buildings within the property, such as unattached garages and storage sheds. Jasper has been serving individuals and families since 1996, furnishing insurance plans for various dwellings, including condominiums, single-family homes, rental properties, townhouses, and mobile homes.

Sioux Falls

Expertise.com Rating

Why choose this provider?

Prins Insurance of Sioux Falls, Inc., is an independent company that has been serving clients in South Dakota since 1981. It provides the best home insurance plans, protecting clients against financial loss due to property damage or personal liability. Its coverage includes the home's physical structure, personal belongings, and additional living expenses. Additionally, its agents write policies for auto, flood, and RVs. The company's president, Kristi Nordquist, is a Certified Insurance Counselor and is a member of the National Alliance for Insurance Education and Research.

Sioux Falls

Expertise.com Rating

Why choose this provider?

Platinum Insurance Group, LLC, is an independent agency that serves individuals, families, and businesses throughout South Dakota. It compares products from various carriers and provides the best home insurance plans in the state. These include coverage for personal liability and the exterior and interior of the policyholders' property. The company also handles protection programs for vehicles and commercial clients, including workers' compensation and key person life insurance. Platinum Insurance Group has been in operation since 2014.

Rapid City

Expertise.com Rating

Why choose this provider?

Western Dakota Insurors is an independent company that provides risk management solutions to individuals, families, and businesses in South Dakota. Its home insurance plans, which are the best in the state, protect policyholders' properties and personal belongings from unexpected losses and damage. Its agents also furnish protection plans for farms and ranches, which include crops and agricultural operations. Western Dakota Insurors has been serving local communities since 1979. Its president, Nathan Larson, holds a Certified Insurance Counselor designation.

Sioux Falls

Expertise.com Rating

Review Sources

Google
4.5 (10)

Why choose this provider?

Pillar Insurance is an independent company that offers the best coverage in South Dakota. Its homeowners' insurance plans protect clients from financial harm caused by property damage or loss of personal belongings. Its agents also furnish policies for cars and recreational vehicles. Pillar Insurance's protection plans for businesses cover workers' compensation, professional liability, and bonds. It has been addressing the risk management needs of communities since 1987. It employs a team that brings more than 60 years of combined experience.

Sioux Falls

Expertise.com Rating

Review Sources

Facebook
5.0 (20)
Google
3.9 (7)

Why choose this provider?

North Central Insurance is a locally owned and locally operated agency that has been providing services in South Dakota since 1986. It offers the best homeowners' insurance policies, protecting clients from financial loss due to structural damage, lawsuits from personal liability cases, and replacement costs for lost personal belongings. Its coverage includes condos, secondary homes, and rental properties. The company also carries insurance for churches and their congregation. The excellent team at North Central Insurance brings over more than 225 years of combined experience in the industry.

Sioux Falls

Expertise.com Rating

Review Sources

Facebook
4.0 (10)

Why choose this provider?

Jensen Insurance and Real Estate is an independent company that offers the best services in South Dakota. Its homeowners' insurance policies may cover property damage, personal liability, loss of valuables, medical expenses for injured guests, and additional living expenses, depending on clients' needs and preferences. Its agents also write insurance plans for secondary residences, high-value homes, vacation dwellings, and rental properties. Jensen Insurance and Real Estate has been addressing insurance needs since 1944, partnering with different carriers like MetLife, Nationwide, Progressive, and Western National.

Rapid City

Expertise.com Rating

Why choose this provider?

Jeff Johnson is an agent who offers a variety of insurance policies throughout South Dakota. He provides the best home insurance coverage that protects clients from personal liability in the even of accidents within their homes and property damage in case of natural calamities or random acts of theft and vandalism. Additionally, he writes life, auto, health, and business insurance plans. Johnson has been with State Farm since 2012. He is a multiple-time Ambassador Travel Qualifier and a 10-year Legion of Honor Qualifier.

Sioux Falls

Expertise.com Rating

Review Sources

Google
4.5 (12)
Facebook
3.7 (6)
Yelp
1.0 (1)

Why choose this provider?

Fischer, Rounds & Associates is an independent company that serves South Dakota. It offers the best personal insurance, including homeowners', boat, motorcycle, and automobile policies. Its agents also handle health and life insurance products. The company's commercial plans cover various protection needs, such as professional liability, cyber risks, crime incidents, and workers' compensation. Additionally, the agency provides specialty insurance for fire departments and public entities, guides and outfitters, and truck owners and operators. Fischer, Rounds & Associates has been in the business since 1880.

Sioux Falls

Expertise.com Rating

Why choose this provider?

Ryan Reiner operates the best State Farm insurance agency in South Dakota. He offers home insurance policies that protect clients from financial losses caused by personal liability in accidents within the properties; loss of personal belongings like musical instruments, jewelry, and furniture; and damage from natural disasters. He also furnishes insurance plans for auto, life, and health and assists clients with their financial needs, including banking and mutual funds. Reiner holds an Associate in Risk Management designation.

Sioux Falls

Expertise.com Rating

Why choose this provider?

McKinneyOlson Insurance has been serving local families and businesses in South Dakota since 1880. It provides the best insurance solutions in the market, offering homeowners' policies that cover structural damage, personal liability, and high-valued possessions like firearms, musical instruments, and jewelry. It also extends its coverage to condos, landlords, and in-home businesses. In addition, its agents write policies for specific industries, including law firms, retail, and craft breweries. McKinneyOlson Insurance employs a team with more than 600 years of combined experience in the industry.

Rapid City

Expertise.com Rating

Why choose this provider?

Black Hills Insurance Agency, Inc., is a family-owned independent company that provides risk management and insurance solutions in South Dakota. Its home insurance policies offer the best value in the market, covering valuable articles and identity theft. It extends its protection to condominiums, co-operatives, and renters. In addition, its agents cater to commercial clients through its business coverage options. The company has been serving communities since 1949, partnering with carriers, such as Jewelers Mutual, Travelers, and The Hartford.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Kouri Insurance Agency
6809 South Minnesota Avenue, Sioux Falls, SD 57108
Jeff Jasper - Farm Bureau Agent
2433 West Chicago Street, Rapid City, SD 57702
Prins Insurance of Sioux Falls, Inc.
4101 South Southeastern Avenue, Sioux Falls, SD 57103
platinuminsgrp.com
4009 W 49th St Suite 103, Sioux Falls, SD 57106
Western Dakota Insurors
816 5th Street, Rapid City, SD 57709
Pillar Insurance
3500 S Western Ave, Sioux Falls, SD 57105
North Central Insurance
3700 South Western Avenue, Sioux Falls, SD 57105
jensenagencyonline.com
3701 West 49th Street, Sioux Falls, SD 57106
Jeff Johnson - State Farm Insurance Agent
1620 Mt Rushmore Rd, Suite 200, Rapid City, SD 57701
Fischer, Rounds & Associates
2300 West 49th Street, Sioux Falls, SD 57105
Ryan Reiner - State Farm Insurance Agent
3015 E 10th St, Sioux Falls, SD 57103
McKinneyOlson Insurance
7001 South Lyncrest Place, Sioux Falls, SD 57108
Black Hills Insurance Agency, Inc.
820 St Joseph St., Rapid City, SD 57701

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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